Land purchased - now a better option. What to do?

I would advise buying the preferred plot of land, but how do you even imagine that?

You have already financed the first plot of land, the financing of the new plot will surely only work if you SELL the first plot again BEFOREHAND. But that will be a huge mess, you probably aren’t even listed in the land register yet.

Otherwise, ask the bank immediately (2 weeks, i.e. don’t lose time) if they will completely revise the financing again and cover the new plot + house with new financing and the old plot with a separate, outsourced financing, as long as it hasn’t been sold yet. Or the bank is interested in the old plot and takes over ownership of the plot directly as part of this reshuffle. However, the issue of speculation tax becomes critical here again.

The construction company will also charge money for the new planning.

This raises the question: how "bad" is the original plot really?

I would advise buying the preferred plot, but how do you even imagine this? You have already financed the first plot, the financing of the new plot will surely only work if you SELL the first plot AGAIN BEFOREHAND. But that will be a huge mess, you probably aren’t even listed in the land register yet. Otherwise, ask the bank immediately (2 weeks, i.e. no time to lose) whether they will completely restructure the financing again and carry the new plot + house with new financing and the old plot with a separate, spun-off financing until it is sold again. Or the bank is interested in the old plot and takes over ownership of the plot directly as part of this reshuffle. Although here the issue of speculation tax becomes critical again. The construction company will also demand money for the new planning. That raises the question: how "bad" is the original plot really?

Thank you very much for the great ideas! I didn’t even know that it would theoretically be possible to change the financing. The problem, however, is that we currently have no information as to whether the plots can be built on by "own" construction companies, or whether everything must be done through a specific developer. We only have an appointment with the building authority next Monday. The plan is for a complete residential complex with a local recreation park, etc. And the second thing is that the plots would also have to be at least 800 sqm in order to implement our planned house this way. That means we are forced to wait until Monday anyway before we can call the bank. Not so easy at all..

Don't scare the horses. Floor plans can be adjusted. Maybe nothing needs to be adjusted at all. You have to talk to the bank. Bridge financing etc. are nothing unusual. Request a change of property. Purchase incidental costs are of course lost twice. Capital gains tax only applies if resold at a higher price, so if there was a profit. So nothing bad either. Was the purchased plot a slow mover? Then in my opinion the biggest risk is not selling it well. But money heals all wounds. Where does the big rush come from? Two weeks is enough time to sort everything out. There is also nothing against approaching the bank now. Just be honest and ask how the project could be implemented.

Are really afraid of regretting it forever.. our current plot is located in the old village center surrounded by (very ugly) farms. Thanks to the XXL barn of our direct neighbor, we have no sun in autumn and winter..

But if the plot is as crappy as you describe, why did you buy it in the first place?...

Really afraid to regret it forever.. our current plot is located in the old town center surrounded by (very ugly) farms. Thanks to the XXL barn of our direct neighbor, we have no sun in autumn and winter..

Ah... ok. For us, farms are preferable to new development areas. These...

A complete residential complex with a local recreation park etc. is planned.

...have less charm, location is usually second choice, often somewhat outside town and everything is structured down to the smallest detail. Strict building and planting plans etc. And the "local recreation area," meaning the planned paths and artificial hills, are just compensatory areas for the mega sealing that arises over a large area. You would have at least 5 years of construction unrest there...

This raises the question: how "bad" is the original plot really?

It can't be that bad after all?!

Wi

But if the plot is as shitty as you describe, why did you buy it in the first place?...

We were looking for something suitable for 2 years and then made this compromise. In our area, there are no plots that are even remotely affordable. So we took the plunge with our plot. Big enough and affordable..